Perpetuation Planning for Insurance Agencies

Build a legacy that lasts. Our perpetuation planning services help insurance agency owners transition with confidence, clarity, and peace of mind.

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Perpetuation Planning

It’s Your Agency-
Let’s Make Sure it Has a Future


You’ve poured your energy, values, and vision into building your agency. Now it’s time to think about what comes next—without rushing the process or compromising what matters most.

Perpetuation planning isn’t just about handing off ownership. It’s about protecting your legacy, setting your team up for success, and making sure you’re financially—and emotionally—ready for what’s next.


At INS Capital Group, we help independent insurance agency owners chart a clear, confident path forward—whether that’s keeping it in the family, selling to a trusted internal partner, or preparing for a third-party buyer.

Perpetuation Planning Discussion - Kelly Drouillard with INS Capital Group

Our Approach: Thoughtful, Structured and Human

We don’t lead with spreadsheets—we lead with your story. What kind of future do you imagine for your agency, your team, and yourself?

We’ll talk about things like:

  • Who would be the right next owner—not just the first person to ask
  • Whether staying independent is non-negotiable
  • What “retirement” really looks like for you (Spoiler: it’s different for everyone)

This vision becomes the compass for every decision you make.

Why Agency Valuation Matters in Perpetuation Planning

If you’re planning the future of your agency, knowing what it’s actually worth is essential. A formal agency valuation isn’t just about the final number—it’s about making smart, informed decisions that support your transition and long-term goals.

More Than a Number – It’s a Planning Tool


-Estimate retirement readiness

-Compare deal structure options

-Plan for taxes and estate impact

Identify What Drives or Drags Value


-Flag risk areas like owner reliance

-Boost recurring revenue & retention

-Build a plan to grow valuation

Internal Transitions with Confidence


-Ensure fairness in family handoffs

-Reduce emotional decision-making

-Align all parties on expectations

Build Trust with Buyers and Lenders


-Strengthen buyer confidence

-Simplify financing and paperwork

-Showcase transition readiness

Bottom line: An agency valuation is one of the smartest early moves you can make in your perpetuation journey. Whether you’re 1 year or 10 years away from a transition, it’s the foundation for everything that follows.

Talk to Us About our Valuation Services

Frequently Asked Questions

Perpetuation planning is the process of preparing your agency for a future transition in ownership or leadership—whether that’s through internal succession, family transfer, or external sale. For independent insurance agencies, it’s a critical step to protect your legacy, support your staff, and ensure long-term client continuity.

Sooner than you think. A strong perpetuation plan typically takes 3–5 years to execute well. Even if you’re not planning to exit soon, starting now gives you time to grow value, groom successors, and avoid rushed decisions.

Yes! Perpetuation isn’t just for owners on the verge of retirement. Life happens—disability, illness, or sudden changes can leave your agency vulnerable. A clear, flexible plan protects your agency and gives you options, no matter what the future holds

That’s okay. One of the first steps in our process is helping you clarify what kind of buyer or successor would be a good fit. We’ll explore internal candidates, family options, and external paths based on your values, goals, and timeline.

Your plan should work for you. We build in flexibility so you can adjust the pace, explore new options, or revisit your goals as life evolves. Our job is to help you stay prepared—whether the transition is five years out or fast approaching.

Ready to Take the First step?

Perpetuation planning doesn’t have to be daunting—or boring. Whether you’re just starting to think about the future or actively preparing for a transition, we’re here to help you move forward with confidence.

Schedule a Consultation and let’s start shaping a future that feels just right.